Optimum insurance for my motorcycle

Do you use a scooter or motorcycle for your daily commute or an occasional Sunday outing? With comprehensive insurance coverage you can enjoy the sense of freedom you get on two wheels even more.

Nina works in the city and rides to work on her scooter. This way, she avoids traffic jams and is always able to find somewhere to park. When buying her scooter she was careful to get the proper insurance for her pride and joy; after all, that sort of fun comes at a price.

Compulsory liability insurance

Enjoy your freedom on two wheels with the motorcycle insurance. In Switzerland, liability insurance is compulsory for two-wheeled vehicles too, and not without good reason: think of the huge costs incurred if you were to injure someone with your motorcycle. The motor vehicle liability insurance covers claims filed against you, such as bodily injury and property damage to third persons, as well as any loss prevention costs.

Optimum protection with the comprehensive insurance

Depending on the type and condition of the motor vehicle, we recommend that you consider enhanced insurance coverage. With partially comprehensive cover the vehicle is insured against theft, fire, natural hazards (e.g. storm, hail, flooding), avalanche, glass breakage, collision with animals, malicious damage and damage caused by martens. The (fully) comprehensive insurance goes one step further and covers collision damages caused to your own vehicle for which you are to blame. We have a motorcycle insurance tailored to you.

Immediate assistance in the event of a breakdown or accident

Had a breakdown or an accident? We won't let you down! The Assistance insurance covers all costs that might be incurred in case of an accident or a breakdown for breakdown recovery, towing service, rental car costs, etc. Motorists' legal expenses insurance is also included. Enjoy the many advantages of motor vehicle Assistance.

Bonus protection and optimisation

Nina fails to see a manhole cover on the wet road, slips and falls. Fortunately she sustains only a few scratches, but the scooter is not so lucky. Damage that appears to be minor can be very expensive to repair. With bonus protection insurance the first claim per year and per insured business line will have no effect on the bonus level. The bonus protection can be concluded as part of the motorcycle insurance.

We even grant Nina two additional bonus levels on her liability and comprehensive cover, because she completed a rider safety training course in Switzerland that is recognised by Helvetia.

Expensive safety gear

Protective clothing for motorcyclists is a must on the road. It doesn't come cheap, though. Therefore, insure your motorcycle equipment against theft, damage and destruction with the motorcycle insurance.

Biking in all seasons

You no longer need to hand in the license plate of your motorcycle in the autumn to then redeem it again in the spring. Live spontaneously and get on your motorcycle whatever the season. With Helvetia you pay the insurance premium for just nine months, but enjoy year-round insurance coverage. Flexible and affordable: motorcycle insurance.

Waiver of recourse – cover damages caused by gross negligence

As a road user, Nina bears responsibility for herself and others. It is therefore essential to take care. Nevertheless, accidents can happen. If Nina concludes the supplementary cover for «waiver of recourse in case of gross negligence» as part of her motorcycle insurance, Helvetia will not exercise its legal right of recourse or reduction in case of a claim involving gross negligence. A brief adjustment of her jacket at the wrong moment, and before she knows it, Nina's driven through a red light. This situation can quickly lead to an accident. With the waiver of recourse, she won't suffer any financial losses.